Who We Are
At Connie Phillips Insurance, we represent YOU the client, NOT the insurance carriers. We are purely interested in doing what is best for our clients, putting their interests ahead of our own. We work hard for our clients and enjoy empowering them through client education. When our clients get married, we are right there by their side, making sure your special day is a smooth as possible. We don’t leave it at just that, though; we insure your wedding day and then every day in your happily ever after.
Let’s Talk About Weddings
Wedding season is coming along with the emotions, stress, and joys that a wedding represents. There are so many things to plan for, book, and check off the list. In all of the excitement of your big day, remember that a wedding signifies the joining of two separate lives. Getting married can also be financially beneficial, as you may have the opportunity to combine certain costs inherent to life, such as insurance coverage costs. We will look at the importance of having certain insurance coverages for the big day for various vendors and what should be considered for the married couple afterward. As a bride or groom, you may not be aware of the insurance needs for a wedding, but as a vendor, you have been exposed to some level of risk regarding the services you provide.
As a bride or groom, you may not be aware of the insurance needs for a wedding, but as a vendor, you have been exposed to some level of risk regarding the services you provide. If you are a business owner of a company that works with brides, grooms, wedding venues, or wedding parties, you need insurance as a vendor, especially liability insurance.
Vendor Insurance
If you are a business owner of a company that works with brides, grooms, wedding venues, or wedding parties, you need insurance as a vendor, especially liability insurance. Vendor insurance is a must-have when you participate in public events, such as weddings. Many people are unaware that they can actually get coverage daily, but the cost of a one-day policy may be as much as an annual policy. You should discuss this with your insurance agent and review the benefits from having an annual policy and the premiums that come along with it.
Vendor insurance covers claims or lawsuits that result from participating as a vendor at an event, such as a wedding. Claims can include anything from foodborne illnesses and injuries to property damage. If a claim is made against your business, your insurance will address costs related to the claim or defense against it. Certain kinds of vendors at different events may require specialty insurance.
For the Bride and Groom: After the Big Day
After the big day, the dust settles down, and you move into your new life together, it is an excellent time to address separate insurance policies. It may be beneficial to begin combining specific insurance policies which were previously separated before marriage. Combining auto insurance, for example, can be a smart move financially. Car insurance companies sometimes offer lower premiums for married couples who are combining their policies. If both you and your spouse have a good driving history and no gaps in insurance coverage recently, it might save you money to combine policies. There may be some reasons to consider keeping policies separate after marriage.
An insurance agent can help identify both the benefits and risks of combining insurance coverage. Generally, it is beneficial; however, your situation is unique to you.
Other ways to save money on insurance after marriage include considering other policies to bundle together to receive multi-policy discounts. For example, sometimes, you can bundle auto, home, motorcycle, renters, and life insurances.
In Summary
As a vendor that works with wedding parties or a vendor who works with wedding venues, you have options to ensure that you are not stuck in a situation where liability coverage would have protected you in the case of a claim or lawsuit but not have the coverage. Protect yourself ahead of time and get set up with vendor insurance.
As a new bride and groom, make sure to schedule an appointment with one of our insurance agents to review your separate coverages. We will see how much money we can potentially save you and your spouse by combining coverages.